Personal loans in Gotebo, OK
Rate ceilings, licensing requirements and product limits for Gotebo are all set at the Oklahoma level. A lender serving Gotebo holds a Oklahoma licence and answers to a Oklahoma regulator; no city office is involved for its 169 residents.
By population, Gotebo sits at 455th in Oklahoma, with an estimated 169 residents. The 2020 count to the 2023 estimate shows about 1.2% decline in Gotebo. Read the disclosure for an origination fee and any prepayment penalty before signing in Gotebo. The closest larger city is Mountain View, OK about 7 miles away.
Where Gotebo stands
Two layers matter for a Gotebo borrower: the local population picture and Oklahoma's consumer-lending statutes.
- Population: 169 residents; Gotebo is the 455th-largest of 590 places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: Down about 1.2% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: bigger than about 23% of the places in Oklahoma, with 169 residents in Gotebo.
- Land and density: 0.8 square miles of land carry roughly 214 residents per square mile.
- By land area: Gotebo ranks 363rd among Oklahoma's 590 places, at 0.8 sq mi.
- State share: roughly 0.0% of Oklahoma's residents live in Gotebo (169 people).
- National standing: Gotebo ranks 16,966th of 19,457 US places.
- Growth in Oklahoma: Gotebo stands 455th by percentage change from 2020 to 2023, among 590 places.
- State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Gotebo's 1.2%.
- Density rank: Gotebo is the 462nd most densely settled place in Oklahoma.
- Density in context: Gotebo's 214 people per square mile sit against a Oklahoma median of 546.
- Location: the Census Gazetteer records it at 35.0712, -98.8743.
- Nearest larger cities: Mountain View (7 mi); Hobart (12 mi); Carnegie (16 mi); New Cordell (17 mi); Roosevelt (18 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Rocky (12 mi); Cooperton (14 mi); Colony (22 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 12 smaller Census places.
- At 100 miles: 179 larger Census places fall inside that radius.
What a Gotebo borrower is actually offered
With roughly 169 residents, Gotebo is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Gotebo can be quoted different APRs on the same amount and term. The term you choose in Gotebo decides the split between a comfortable payment and the total interest you pay.
How Oklahoma law applies in Gotebo
Oklahoma has no separate rate rule for Gotebo; the sourced rows below are what reach every lender that serves its 169 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Oklahoma Department of Consumer Credit (OKDOCC) Source says: "The Department is responsible for the regulation of consumer credit sales and consumer loans in the State of Oklahoma." | Oklahoma Department of Consumer Credit as of 2026-09-16 |
| Small loan rate and principal caps (state-specific rule) | Small loans: interest capped at 17% per month; maximum aggregated principal of $1,500 per customer across all licensees (CPI-adjusted). Source says: "A licensee may only charge and collect a periodic interest rate not to exceed seventeen percent (17%) per month" (59 O.S. 3150.10(B)); max aggregated principal is $1,500 (3150.10(C)). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 6% per annum legal rate in the absence of a contract; parties may agree to any rate authorized by law. Source says: "The legal rate of interest shall be six percent (6%) in the absence of any contract as to the rate of interest" (15 O.S. 266). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
Getting a loan in Gotebo
With about 214 residents per square mile, Gotebo is lightly settled, and 52 larger Census places sit within 50 miles. A Oklahoma licence lets a lender serve Gotebo without a local office, so branch density does not change what its 169 residents are offered. The nearest bigger place is Mountain View, OK about 7 miles away.
Before you apply in Gotebo
A sensible order of operations for a loan in Gotebo, home to about 169 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the Oklahoma regulator's licence records before you sign.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
The process is identical across Oklahoma; what changes is your credit file, not the fact that Gotebo holds 169 people.
Where Gotebo sits in Oklahoma
Within Oklahoma, Gotebo holds roughly 0.0% of all residents, the 455th-largest share among 590 places. Its 2020-to-2023 change ranks 455th of 590 Oklahoma places, putting it near the 23th percentile for growth. By density, at about 214 people per square mile, it ranks 462nd in Oklahoma. The population moved by about 2 people between 2020 and 2023, a 1.2% shift.
Common questions
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What loan size can I expect in Gotebo?
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Nearby places
- Mountain View, OK — population 735
- Rocky, OK — population 126
- Cooperton, OK — population 2
- Hobart, OK — population 3,358
- New Cordell, OK — population 2,716
- Roosevelt, OK — population 254
- Carnegie, OK — population 1,373
- Sentinel, OK — population 748